The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$9,632
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,931
−HK$305/mo
Today · 4.125%
HK$10,236
baseline
▲ 0.50% · 4.625%
HK$10,858
+HK$622/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,472/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$44,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,715
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,002
−HK$292/mo
Today · 4.125%
HK$11,294
baseline
▲ 0.50% · 4.625%
HK$11,889
+HK$595/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,588/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$44,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,558
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,917
−HK$366/mo
Today · 4.125%
HK$12,283
baseline
▲ 0.50% · 4.625%
HK$13,030
+HK$747/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,566/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,858
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,203
−HK$350/mo
Today · 4.125%
HK$13,553
baseline
▲ 0.50% · 4.625%
HK$14,267
+HK$714/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,106/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,484
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,904
−HK$426/mo
Today · 4.125%
HK$14,330
baseline
▲ 0.50% · 4.625%
HK$15,202
+HK$872/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,660/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,001
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,403
−HK$408/mo
Today · 4.125%
HK$15,811
baseline
▲ 0.50% · 4.625%
HK$16,645
+HK$834/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,622/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,337
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,876
−HK$548/mo
Today · 4.125%
HK$18,424
baseline
▲ 0.50% · 4.625%
HK$19,545
+HK$1,121/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$36,848/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$44,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,287
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,804
−HK$525/mo
Today · 4.125%
HK$20,329
baseline
▲ 0.50% · 4.625%
HK$21,401
+HK$1,072/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$40,658/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$44,878 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).